This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 251 complaints

Financial Management Solutions, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade D.

Complaints by issue type

What consumers report about Financial Management Solutions, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record financial-management-solutions-llc Financial Management Solutions, LLC

Grade D · 251 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #448 · compose #296

  • VOL 251
  • GRADE D
  • 12MO 40
  • STATES 17
  • TIMELY 98%
  • DISPUTE 28%
  • ISSUE Attempts to collect debt n…
  • RANK #448
  • COMPOSE #296

Volume peers

Nearest volume peer: BC Services, Inc. (251 complaints)

Credit Central Holdings, LLCCredit Central Holdings, LLC250P.S.C., IncP.S.C., Inc250BC Services, Inc.BC Services, Inc.251Kansas Counselors, Inc.Kansas Counselors, Inc.251Financial Management Solutions, LLC (this)Financial Management Solutio…251
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Financial Management Solutions, LLC's 251 CFPB complaints sit next to BC Services, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 251 complaints break down

Every complaint issue type on record for Financial Management Solutions, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.4/100
Financial Management Solutions, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
251
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
28%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

55.8% of Financial Management Solutions, LLC's CFPB filings land in Maryland

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Maryland 55.8%
140 of 251 filings · 17 states touched
Even monthly load
Peak under 8%
Highest month 2023-12 at 6.7% (2 filings)
Corpus ranks
#448 volume
#296 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Financial Management Solutions, LLC compare to its peers?

How does Financial Management Solutions, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Financial Management Solutions, LLC National average
Complaints (last 12 mo)lower is better
40
39
268
Timely-response ratehigher is better
98%
91%
91%
Consumer-dispute ratelower is better
28%
39%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Financial Management Solutions, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Financial Management Solutions, LLC vs. 10 similar-volume peers, by response speed and dispute rate Financial Management Solutions, LLCBC SERVICES, INC.Kansas Counselors, Inc.Credit Central Holdings, LLCP.S.C., IncWilber and Associates, P.C.Cottonwood Financial Ltd.Harley Davidson Financial Services IncCollection Consultants of CaliforniaCollection Bureau of Fort Walton Beach, IncGOLD KEY CREDIT, INC.
Source: CFPB Consumer Complaint Database

Financial Management Solutions, LLC's complaint volume in context

Financial Management Solutions, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

251 Top 8% higher than 92% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Financial Management Solutions, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2020-02 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
82
False statements or representation
41
Took or threatened to take negative or legal action
36
Written notification about debt
35
Cont'd attempts collect debt not owed
20
Communication tactics
19
Disclosure verification of debt
15
Taking/threatening an illegal action
2
Improper contact or sharing of info
1

Where do complaints against Financial Management Solutions, LLC come from?

Financial Management Solutions, LLC's own per-state count, not a national baseline.

Top states by complaints against Financial Management Solutions, LLC

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Financial Management Solutions, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 251.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.33333333333333%.

4 peers

Know your rights before responding to Financial Management Solutions, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.